Follow the dollars · Assumption only
A complete cash picture for Dec 27, 2026
Your down payment$83,316Cash toward the purchase price.
Closing costs + prepaids$10,078Not just lender fees.
Before credits & paid funds$93,394The complete starting cash picture.
Estimated remaining funds due at closing
$93,394No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$83,315.53
Your down payment$83,315.53
Closing costs + prepaids$10,078.45
Total buyer cash needed$93,393.99
Remaining funds due$93,393.99
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,000.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$765.00
Prepaid interest, first (5 days)$88.45
Fees + prepaids$10,078.45
Your down payment is the seller’s equity. You take over the $216,684 balance, so the rest of the $300,000 price is paid at closing. A second mortgage can cover part of it. $93,393.99 is due at closing. Uses and sources reconcile at $310,078.45 each. Not a Closing Disclosure.